Aviva Equity Release Conveyancing Lender Panel Compliance Tool

Lexsure’s COMPLETIONmonitor is web-based pre- and post-completion checklist for property lawyers. Supported by the CML and PI insurers. COMPLETIONmonitor is a unique risk management tool.

This system is the only way you can demonstrate to lender panels that you are, and can remain fully compliant with their requirements, with alerts on Aviva Equity Release’s changes. Even though utilising this technology is not a condition for acceptance on the Aviva Equity Release panel, demonstrating you can stay up to date with Aviva Equity Release’s Handbook requirements is a helpful support to your application to their lender panel and, just as importantly, safeguard your firm’s panel standing.

COMPLETIONmonitor creates real-time alerts, automatically produces COLP and CQS reports, and will enhance your firm's efficiency. It is also simply to use, cost-effective and, for some firms, leads to a PII saving.

Find a Law Firm approved by Aviva Equity Release

Lenders often vary their requirements. The UK Finance Lenders’ Handbook requirements from Aviva Equity Release are not guidelines, they are instructions from a client. As with many clients, instructions can change - and they do change, frequently:

A Timeline of Policy Changes


Since 2008, Aviva Equity Release has made 98 revisions or additions to sections of their version of the CML Handbook.
That equates to a section change every 27.9 days. In total, 20% of the sections of P2 of the UK Finance Lenders’ Handbook for Aviva Equity Release have been changed since 15/12/2008.

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Recent Changes Include

# Date Assoc. Changes Related To
5.5.1b 01/12/2014 CML
conveyancing requirements in terms of time for building regulation consents
6.14.4 01/12/2014 CML
sending a copy of the buildings insurance policy and last premium
3.1.3 01/12/2014 CML
Conveyancing Solicitors Details for Sellers
Do Aviva Equity Release UK Ltd require notification form their panel lawyer of the name and address of the solicitors firm or licensed conveyancers firm acting for the seller?
6.7.1 06/06/2012 CML
New Build Conveyancing
Aviva Equity Release UK Ltd approved conveyancer requirements for New Build Conveyancing : Home Warranty Schemes
3.1.4 28/03/2011 CML
details of the seller's solicitors or licensed conveyancers
5.14.1 28/03/2011 CML
Leasehold Conveyancing
Aviva Equity Release UK Ltd panel lawyers leasehold conveyancing requirements : minimum unexpired lease term
4.1 01/12/2010 CML
Mortage valuation
Do Aviva Equity Release UK Ltd arrange for there to be a valuation report and if so, do they provide it to their conveyancing panel lawyers ?
5.5.1a 01/12/2010 CML
requirements in terms of time for planning consents
6.6.4 01/12/2010 CML
Houses in Multipe Occupation
Aviva Equity Release UK Ltd approved conveyancer requirements where the property comes within the definition of a house in multiple occupation
6.6.1 17/02/2010 CML
contact point if property is let/to be let and to check lender requirements on buy-to-let

Last update 25/05/2019

Aviva Equity Release Solicitor Panel Example Support Desk Enquires from members of the public

I need to swap lawyers as my lawyer is not on the Aviva Equity Release panel of conveyancing solicitors. Is it advisable to appoint a new law firm?
If you haven't yet instructed a solicitor to do anything for you and have just received quotes, you're perfectly free to choose a different solicitor to carry out your work for you. The best way is to get recommendations from friends or family who have actually used the solicitor or conveyancer you're considering.
We are due to exchange on the purchase a house but as a result of damage from the recent storms I have agreed compensation from the seller of £3k approx by way of a reduction in the price. This was going to be dealt with as part of the conveyancing process but my mortgage company Aviva Equity Release will not agree to this. Why was Aviva Equity Release even consulted?
Your lawyer being on the Aviva Equity Release conveyancing panel is duty bound to inform Aviva Equity Release of any changes to the purchase price. If you were to refuse your lawyers to disclose the reduction to Aviva Equity Release then they would have to discontinue acting for you and Aviva Equity Release.
I require the services of a Aviva Equity Release panel solicitor in Inverness. Can you assist?
It is not clear why you need a Aviva Equity Release panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to Aviva Equity Release to find out which solicitors in Aviva Equity Release are on their panel. If you do find such a firm not listed please direct them to our site to list. After all the cost is only one £1 a month
My uncle passed away six months ago and as sole heir and executor was left the property. The house had a small mortgage left on it of around £5k. I want to have the title changed into my name whilst I re-mortgage to Aviva Equity Release , pay off the mortgage etc. Is this possible?
If you intend to re-mortgage then Aviva Equity Release will insist on your using a conveyancer on the Aviva Equity Release conveyancing panel. Here is link to the Land Registry online guidance around what to do when a property owner dies. This will help you to understand the registration process behind changing the details re the registered title. in your case it would appear that you are effectively purchasing the property from the estate. Your Aviva Equity Release conveyancing panel solicitor pays the new mortgage money into the estate, the estate pays off the old mortgage, the charge is released and you become the owner and the Aviva Equity Release mortgage is registered as a charge at the Land Registry.
Can you point me to a directory of Aviva Equity Release panel solicitors on the Building Society Association’s Website?
No. There is no such tool on the Council of Mortgage Lenders or Building Society Association websites. Very few lenders make their panel listings available online.
My existing mortgage is with Aviva Equity Release. My godfather has just retired and wants to pay off the mortgage left on the property. After Aviva Equity Release is paid, I want to transfer the property to my mother's name; How long does the process take? Do we need two separate solicitors on the Aviva Equity Release conveyancing panel? I do not intend to live at the property once the Aviva Equity Release mortgage is discharged.
You will need a solicitor but they need not be on the Aviva Equity Release conveyancing panel. You will need a solicitor to draw up the transfer and to deal with the Land Registry formalities. The only thing you need to consider is that by selling at an undervalue so ask your lawyer about the implications. There could be an inheritance tax issue if you die within 7 years of this. There's no capital gains tax for you as it is your main residence.
At last I have had an offer on an apartment accepted, the seller does however have a dependent purchase. The vendors have offered on somewhere, but not been accepted yet, and have viewings of other properties in the pipeline. My conveyancing solicitor has been instructed. What do I do now? At what point should I appy for the mortgage with Aviva Equity Release?
It is usual to have concerns where there is a chain as you are unlikely to want to be too out of pocket too early (mortgage application is approx £1k, then survey/valuation, conveyancing search costs, etc). First you should check that your solicitor is on the Aviva Equity Release conveyancing panel. As to the next stages this very much depends on the circumstances of your case, desire for this property and on the state of the market. In a hot mortgage some buyers would pally for the mortgage with Aviva Equity Release and pay for the valuation and only if it comes back ok would they pay their solicitor to press on with searches.